678 Ora Avo Dr, Vista, CA 92084 Property Records

San Diego County property record for 678 Ora Avo Dr, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,016 sqft · built 1979
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Mar 1993)
Tax Bill	$3,481 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181-231-04-00`

Property Details

APN / Parcel Number

Primary APN	`181-231-04-00`
Alternative APN	`1812308600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,016 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1812308600
Street Address	678 ORA AVO DR
City	VISTA
State	CA
Zip	92084-6535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PAR 3 TR PM04020
Legal Tract	4020
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2017
Census Tract	19208

Owner

678 Ora Avo Dr is owned and occupied by two individuals who acquired it in March 2006.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	678 ORA AVO DR, VISTA, CA 92084-6535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage THAYER FINANCIAL CORP
Oct 15, 2020	Deed of Trust, Mortgage UNION YES FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 1993 · Amount on File
Deed Sale	Mar 26, 1993 · Amount on File
Deed Document Number	1993186850
Last Transfer Date	Mar 24, 2006
Transfer Doc	0000244165
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	678 ORA AVO DR, VISTA, CA 92084-6535
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	678 ORA AVO DR, VISTA, CA 92084-6535

Mortgage

Document Number	0000532335
Date	Jul 27, 2021
Instrument	2021-0532335

Lender

Name	THAYER FINANCIAL CORP
Type	Mortgage Company
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	678 ORA AVO DR, VISTA, CA 92084-6535
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000625278
Date	Oct 15, 2020
Instrument	2020-0625278

Lender

Name	UNION YES FCU
Type	Credit Union
Address	ORANGE, CA 92868

Agreement

Amount	Amount on Record
Term	240 Months
Due	Oct 15, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 678 Ora Avo Dr was $3,481 with a homeowner's exemption.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$318,266 (+2%) Land $88,395 Building $229,871
2025	$3,481.00 Homeowner's exemption	$312,026 Land $86,662 Building $225,364
2023	$3,200.00 (+0.31%) Homeowner's exemption	$299,912 Land $83,298 Building $216,614
2022	$3,190.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 678 Ora Avo Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 678 Ora Avo Dr is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VISTA IRRIGATION DISTRICT serves 134,501 people · EPA ID CA3710027
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100

May also be available: T-Mobile, Verizon.

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